Maryland Property Tax Assessment & Records: SDAT Search 2026

Maryland · SDAT · Property Assessment · Tax Records · Deeds · Appeals

Search SDAT Records, Decode the Value, and Use the Right Maryland Office

Maryland property records work differently from many county assessor systems. Real-property assessments are maintained statewide by the Maryland Department of Assessments and Taxation, or SDAT, while county and municipal governments issue tax bills and Circuit Court land records provide the recorded deeds.

This guide shows the exact SDAT search quirks, how to use an address or Property Account Number when owner-name searching is unavailable, how the three-year reassessment and phase-in work, which 2026 tax dates matter, how to check Homestead and income-based credits, and where to go for deeds, plats, appeals, billing or tax-sale help.

Live portal status — checked August 20, 2026: SDAT’s main website is currently displaying a notice that the Real Property Data Search is experiencing technical difficulties. If the official search does not load, retry through the Maryland.gov/SDAT route later or contact the local SDAT assessment office. Do not switch to an unofficial paid property-record mirror just because the state portal is temporarily unavailable.

Quick answer: start with SDAT, but do not search by owner name

Select the property’s county or Baltimore City in the official SDAT Real Property Data Search, then use the street address, Property Account Identification Number, or available map-reference search. Maryland’s public SDAT property database does not support searching directly by owner name, town, neighborhood, subdivision or ZIP code.

1 Select jurisdiction Choose the county or Baltimore City first.
2 Use one search method Address, PAN/account identifier or map reference.
3 Save the record PAN, values, Homestead status and deed reference.
4 Route the next task SDAT, local tax collector, MDLandRec or appeal system.

Maryland property record facts

Assessment authority Maryland SDAT
Owner-name search Not available in SDAT search
Valuation standard Fair market / full cash value
Reassessment cycle Every 3 years
Increase phase-in Generally spread over 3 years
2026–27 state rate $0.112 per $100 assessed value
First/full tax payment September 30, 2026
Second semiannual December 31, 2026
Reassessment appeal 45 days from notice date
Recorded deeds Maryland Circuit Courts / MDLandRec
Maryland is not a 35% assessment-ratio state. Do not apply the Ohio-style 35% rule here. SDAT appraises Maryland real property at fair market/full cash value; when a reassessment increases value, the increase is generally phased into the taxable assessment over the three-year cycle.

After you understand the search rules below, use the official portal. The SDAT search page requires JavaScript, warns that it may be unavailable before 7:00 a.m. for maintenance, and limits deleted-account searches to the Property Account Identifier.

Jump to the Maryland property task you need

Assessment records, tax bills, deeds and appeals belong to different Maryland systems. Choose the task rather than assuming one website controls everything.

Maryland office router

Assessment, tax payment and deed records are split between different offices

S
SDAT Assessment
Property record
Credits
Exemptions
$
LOCAL TAX Tax bill
Balance
Payment
Penalties
D
LAND RECORDS Deed
Mortgage
Lien
Recorded instrument
P
PLATS Subdivision
Survey plat
Condo plat
Map image
A
APPEAL Supervisor
PTAAB
Tax Court
Value review
Which Maryland office controls the answer?
Your question
Start here
What it provides
Important limit
What is the assessed or market value?
SDAT Real Property Search / local assessment office
Current property characteristics, values, owner display and assessment data.
It does not show the live tax amount due.
How much property tax do I owe?
County or municipal billing/collection office
Current bill, balance, payments, interest, penalties and local charges.
SDAT specifically states that it does not host tax bills.
Who appears as owner?
SDAT property record
Owner name appearing from the recorded deed information in SDAT.
Use the recorded deed for legal document research.
Where is the deed or mortgage?
Circuit Court land records / MDLandRec
Recorded deeds, mortgages and other land instruments.
An SDAT owner display is not a substitute for reviewing the recorded instrument.
Is the property value too high?
Local SDAT assessment office / assessment appeal
Supervisor-level appeal and valuation discussion.
A high tax bill by itself is not evidence that fair market value is wrong.
Do I have Homestead eligibility on file?
SDAT Real Property record
Homestead application status near the bottom of the record.
Approval does not mean a credit will appear every year.
Where is the exact legal boundary?
Deed + plat + professional survey when needed
Recorded legal and survey evidence.
SDAT’s online property map is explicitly not a property survey.
Maryland shortcut: save the PAN and Liber/Folio from SDAT before contacting another office. Those two identifiers make tax, deed, appeal and historical research much easier.
Failed-search recovery

If SDAT says no result, diagnose the input before assuming the record is missing

You searched the owner’s name SDAT does not offer owner-name searching. Use the property address or PAN instead.
Exact address returned nothing Remove direction and suffix words. Search only the house number plus core street name.
The street spelling is uncertain Truncate the street name and add an asterisk to broaden matching results.
The house number may differ Remove the street number and search the street name alone.
The account was deleted Deleted accounts can only be searched through the Property Account Identifier.
The parcel is in Anne Arundel Use the district, subdivision and account components required for that jurisdiction.
The property is in Baltimore City Use the Ward, Section, Block and Lot structure rather than a standard county format.
The website fails before 7 a.m. SDAT warns the Real Property Search may be unavailable before 7:00 a.m. for maintenance.
The portal itself is down Retry the official system later and use the local assessment office for time-sensitive assessment questions.
The property information looks wrong Contact the SDAT assessment office for the property’s jurisdiction rather than editing or guessing from third-party data.
Local assessment-office call script “I am trying to locate or verify the SDAT record for [property address]. I have [PAN, assessment notice, deed reference or map information]. The search is returning [no result / different address / incorrect characteristic]. Can you confirm the correct account identifier and tell me whether the property record needs review?”
Assessment decoder

Maryland uses fair market value—not a statewide 35% assessed-value ratio

Think fair market value first

SDAT appraises Maryland real property based on fair market value. The sales, cost and income approaches are recognized methods used to indicate market value depending on the property.

When a regular triennial reassessment increases a property’s value, the increase is generally phased into the taxable assessment in equal portions over the three-year cycle rather than becoming fully taxable all at once.

How a three-year phase-in works

OLD VALUE $100K YEAR 1 $110K YEAR 2 $120K YEAR 3 $130K
Official SDAT example: when an old market value of $100,000 is reassessed to $130,000, the increase can phase in as $110,000 in year one, $120,000 in year two and $130,000 in year three.
Decode the SDAT property record
Field
What it means
How to use it
PAN / Property Account Identifier
Primary SDAT account identifier for the property.
Save it for assessment, billing and office questions.
Base Value
Full cash value before the most recent reassessment.
Compare it with the current reassessment value.
Current Value
Full cash value established in the most recent assessment.
Focus on whether this fair-market-value conclusion is accurate.
Land / Improvements
Components making up the property’s total value.
Check whether the land, house and other improvements are described correctly.
Owner Name
Name shown from the last recorded deed information.
Use the Liber/Folio to move into the recorded land record.
Liber / Folio
Book and page reference where a deed is recorded.
Enter it in MDLandRec to retrieve the actual recorded instrument.
Street Location
Address assigned by local government.
It can differ from the owner’s mailing address or commonly used number.
Homestead status
Shows whether a Homestead eligibility application is on file.
If it says “No Application,” review the one-time application process.
Tax Exempt
Indicates whether a state/local real-property exemption applies.
Review the exemption class rather than assuming all taxes or charges disappear.
Legal-record limit: SDAT states that the Real Property Data Search is for informational purposes and is not to be used as a legal report or legal document.
2026 Group 2 reassessment

2026 reassessment values rose statewide, but the statewide average is not your property’s value

SDAT’s 2026 Group 2 reassessment covered 789,178 residential and commercial properties across all 23 counties and Baltimore City. Maryland has more than two million property accounts divided among three reassessment groups, with each group reassessed once every three years.

789,178 Group 2 properties reassessed for 2026
92.7% Group 2 residential properties with increased value
13.2% Average residential value increase
11.0% Average commercial value increase
12.7% Overall Group 2 value increase
Homes increasing
92.7%
Residential avg.
13.2%
Overall avg.
12.7%
Commercial avg.
11.0%
Do not appeal because “Maryland went up 13.2%.” That number is a statewide Group 2 residential average. An appeal should focus on the fair market value of your specific property, factual errors, relevant sales, condition and other property-specific evidence.
2026–2027 Maryland tax year

Know the statewide dates, then use your local bill for the actual amount due

Tax year began July 1, 2026

Maryland’s 2026–2027 real-property tax year is underway.

First / full payment September 30, 2026

Principal-residence first installment or annual payment timing.

Second semiannual December 31, 2026

Second installment for eligible principal residences, including applicable service charge.

2026–2027 state rate: $0.112 per $100

Maryland’s state real-property tax component for the July 1, 2026 tax bills is $0.1120 for each $100 of assessed value.

That is only the state component. County rates and any municipal rates are added according to the property’s exact jurisdiction.

State-component example: on $300,000 of taxable assessed value, the state portion alone is approximately $336 before county, municipal, special district, credit and other bill-specific items are considered.

Why two neighboring Maryland properties can have different tax bills

Different county tax rate
One property lies inside a municipality
Different Homestead credit amount
Different taxable assessment phase-in
Special taxing area or local charge
Homeowners’ Tax Credit or other relief
Exemption status differs
Front-foot, service or other non-assessment charges differ
SDAT does not have your tax bill. Once you know the assessment, move to the county or municipal billing/collection system for the current amount due, payment history, service charges, penalties, discounts or tax-sale status.
Property-tax relief

Homestead, Homeowners’ Tax Credit and exemptions solve different problems

Maryland homeowner relief programs
Program
What it does
2026 action
Important distinction
Homestead Tax Credit
Limits the annual taxable-assessment increase on a qualifying principal residence.
Check SDAT record status; file the one-time eligibility application if needed.
It does not cap the property’s market value.
Homeowners’ Property Tax Credit
Income-based annual property-tax relief for qualifying homeowners of all ages.
2026 final application deadline: October 1, 2026.
Requires a new application and income information each year.
Disabled Veteran Exemption
Potential real-property exemption for qualifying 100% service-connected permanently and totally disabled veterans.
Submit exemption application and required VA/discharge evidence to the local assessment office.
SDAT states that a VA Summary of Benefits letter alone is not accepted for this proof requirement.
Homeowner Protection Program
Helps certain limited-income homeowners at risk of tax sale enter an alternative loan/repayment program.
Check current HPP eligibility before the local tax-sale process advances.
Enrollment is limited; meeting eligibility does not guarantee enrollment.

Homestead: one-time application, ongoing eligibility

Search the property in SDAT Scroll to the Homestead application status near the bottom of the property record.
Look for Approved or Application Received SDAT says no further action is required when one of those statuses appears.
If it says No Application, file the one-time application The Homestead application is available through Maryland OneStop / SDAT’s electronic route.
Remember what the credit limits It limits taxable-assessment growth—not SDAT’s market-value conclusion.
Cap rule: the state Homestead calculation uses a 10% limit. County and municipal governments must also use a cap of 10% or less, and the exact local cap appears in SDAT’s annual tax-rate table.

2026 Homeowners’ Property Tax Credit deadline

Early filing target April 15, 2026

Applications completed by this date could place qualifying credit on the July 1 bill.

Final 2026 deadline October 1, 2026

2026 application window is still open as of August 20.

Income year used 2025 income

The 2026 form uses 2025 gross household income.

Filed after April 15? Do not assume the pending credit lets you ignore the tax bill. SDAT’s 2026 instructions say later filers should not expect the credit on the original July 1 bill; an approved credit can instead lead to a revised bill or refund.

Homeowner Protection Program: tax-sale risk

Principal residence The home must be the applicant’s principal residence.
$300,000 assessment The current dedicated HPP page and 2026 application publish an assessed-value ceiling of $300,000.
$60,000 income Current published combined annual household-income ceiling.
$200,000 assets Published asset ceiling excluding the value of the dwelling.
HPP timing matters: if a homeowner is trying to avoid an upcoming tax sale, act well before the sale and use the current HPP page. Program eligibility and enrollment rules can change, and eligibility does not guarantee a place in the program.
Assessment appeal

Challenge fair market value or property facts—not the size of the tax bill

01
NOTICE Read the reassessment notice and identify the notice date.
02
45 DAYS File the first-level reassessment appeal on time.
03
EVIDENCE Review worksheet, sales and factual property characteristics.
04
SUPERVISOR Written, phone, video or in-person hearing.
05
NEXT LEVEL PTAAB, then Maryland Tax Court if necessary.
45 days Reassessment appeal deadline measured from the Notice of Assessment date.
30 days Appeal from Supervisor’s final notice to PTAAB.
30 days Appeal a PTAAB decision to Maryland Tax Court.
60 days New-owner appeal window when qualifying property transfers between January 1 and June 30.

Evidence that addresses value

Incorrect property facts Square footage, land area, condition, improvement type or other factual errors.
Recent arm’s-length sale A recent purchase can be highly relevant when the transaction reflects market value.
Comparable sales Similar properties from the relevant market area and valuation period.
Condition evidence Photographs, inspection information and repair documentation.
Professional valuation Appraisal or other credible property-specific market evidence.
Income information Relevant for property valued under an income approach, subject to appeal rules.
Arguments SDAT says are not relevant to value: comparison with past values, the percentage increase, the amount of the tax bill, metropolitan costs, or whether the owner is satisfied with government services.
Free appeal help: at the Supervisor level, SDAT provides a complimentary property worksheet and Area Sales Listing before the scheduled appeal hearing.

New owner or missed normal reassessment window?

New-owner appeal

If property is transferred between January 1 and June 30, the new owner may file within 60 days of transfer. The deed must be recorded before the office can proceed.

Petition for Review

During the two years outside the normal reassessment, SDAT allows a Petition for Review for the next tax year. Current instructions require filing by the first business day following January 1.

Assessment appeal script “I am appealing the fair market value of property account [PAN]. The notice value is [amount]. I believe the value or property record should be reviewed because [specific factual error, recent sale, condition issue, appraisal or comparable-sale evidence]. I would like the property worksheet and Area Sales Listing used for the assessment.”
Recorded land records

Use the SDAT Liber/Folio as the bridge to the recorded deed

SDAT RECORD Find Liber / Folio MDLANDREC Select county BOOK / PAGE Jump to volume RECORDED DEED Review instrument
Find the property in SDAT Outside Baltimore City, the address search is an efficient way to obtain the deed reference.
Copy the Liber / Folio These are the land-record book and page numbers shown in the property record.
Open MDLandRec Create a free account when accessing the system from home.
Select the correct county Maryland land-record books are maintained by jurisdiction.
Use Jump to New Volume Enter the book and page to retrieve the recorded document.
For older records, switch to historical indices MDLandRec’s Individual Search begins at a different electronic-database year in each county; older research may require Active Indices.
MDLandRec access is free. Maryland State Archives describes MDLandRec.net as providing free online access to land-record instruments recorded at Maryland Circuit Courts, including deeds and mortgages.
Parcel maps and plats

An SDAT map can locate a parcel, but it cannot establish the legal boundary on the ground

Which Maryland map or record should you trust for the task?
Resource
Good for
Not enough for
SDAT property map
Locating the assessment account and general parcel context.
Legal boundary determination or legal description.
Recorded deed
Legal-description and ownership-document research.
Showing surveyed boundary monuments in the field.
Plats.net
Subdivision, survey, condominium and other recorded plat images.
Replacing a new survey when current boundary placement is disputed.
Professional boundary survey
Locating relevant property boundaries on the ground.
Tax assessment or current tax balance.
SDAT’s map warning is explicit: the map is compiled from deed descriptions and plats, is not a property survey, and should not be used for legal descriptions.
Contact routing

Use the statewide directory instead of calling SDAT headquarters for every property

Maryland has local SDAT assessment offices for the 23 counties plus Baltimore City. Most currently list weekday hours of 8:00 a.m.–4:30 p.m.; Baltimore City lists 8:00 a.m.–5:00 p.m., and Prince George’s County currently lists 8:30 a.m.–4:30 p.m. Verify the specific office before traveling.

Maryland property contact shortcuts
Need
Contact
Phone
Best information to have ready
Property assessment / record
Local SDAT Assessment Office
Varies by jurisdiction
PAN, property address, notice date and disputed property fact.
Real Property headquarters
SDAT Real Property
Jurisdiction and property account information.
General SDAT question
SDAT headquarters
Department/program you are trying to reach.
Homestead Tax Credit
Homestead unit
PAN and Homestead status shown in SDAT.
Homeowners’ Tax Credit
Homeowners credit unit
2026 application status and requested documentation.
Current tax balance / payment
County or municipal tax collector / finance office
Varies by location
PAN, property address and tax year.
Maryland property call script “I am calling about Maryland property account [PAN] at [address] in [county/Baltimore City]. I need help with [assessment value, property-record correction, Homestead status, tax bill, deed or appeal]. The SDAT record currently shows [specific fact]. Which office or form controls the next step?”
Internal office-routing guide

Why Maryland does not have the same county-auditor model as Ohio

Maryland is a useful example of why users should identify the task before searching for an office title. Property assessment is administered through the state SDAT structure; tax billing is local; deeds are maintained through Circuit Court land records.

If you are researching another state or need to identify the correct county-equivalent office for property, tax, deed or public-record work, use the CountyAuditors.org office-routing directory.

Final property-record check

Before relying on a Maryland record, match the source to the decision

SDAT is appropriate for
  • Assessment and property characteristics
  • Owner display from deed information
  • Current and base value
  • Homestead status
  • Tax-exemption indicator
  • Deed book/page clue
Move to another source for
  • Live tax amount and payment
  • Recorded deed image
  • Mortgage or lien instrument
  • Recorded subdivision plat
  • Exact field boundary
  • Formal assessment appeal
Privacy and accuracy: do not identify or contact a person merely because a similar name appears on a property record. Confirm the PAN, premises location and relevant recorded document before making ownership-dependent decisions.
10 Maryland property questions

Maryland property tax assessment and records FAQs

What is the official Maryland property assessment search?

The official statewide system is the Maryland SDAT Real Property Data Search. Select the county or Baltimore City and search using an address, Property Account Identifier or another supported property-search method.

Can I search Maryland SDAT property records by owner name?

No. SDAT’s official instructions state that the Real Property database cannot be searched by owner name, town, neighborhood, subdivision or ZIP code. Use the property address or Property Account Number instead.

Why is my Maryland address not finding a property?

Remove street directions such as North or West and remove suffixes such as Street, Avenue, Road or Way. If the exact street name still fails, truncate it and add an asterisk, or try the street name without the house number.

What assessment ratio does Maryland use for real property?

Maryland does not use the Ohio-style 35% assessment rule. SDAT appraises real property at fair market/full cash value. Increases from a regular triennial reassessment are generally phased into the taxable assessment over three years.

How often does Maryland reassess real property?

Maryland real property is reassessed on a three-year cycle. The state’s property accounts are divided into three groups, with approximately one-third reassessed each year.

When are Maryland property taxes due in 2026?

The 2026–2027 tax year began July 1, 2026. For qualifying principal residences, the first semiannual installment or annual payment is due by September 30, 2026, and the second semiannual installment is due by December 31, 2026, including any applicable service charge.

What is Maryland’s state property-tax rate for 2026–2027?

The state real-property tax rate for the July 1, 2026 tax bills is $0.1120 per $100 of assessed value. County and municipal rates vary and must be added according to the property’s exact location.

What is the difference between Maryland Homestead and the Homeowners’ Property Tax Credit?

Homestead is a one-time eligibility program that limits annual growth in the taxable assessment of a qualifying principal residence. The Homeowners’ Property Tax Credit is an income-based program that requires an application each year. The final 2026 Homeowners’ Tax Credit filing deadline is October 1, 2026.

How long do I have to appeal a Maryland reassessment?

A reassessment appeal must generally be filed within 45 days of the Notice of Assessment date. After the Supervisor-level final notice, a PTAAB appeal must generally be filed within 30 days, and a further Maryland Tax Court appeal generally has another 30-day deadline.

Where can I find Maryland deeds and property plats?

Use the Liber/Folio shown in the SDAT property record to search the recorded deed through MDLandRec. Recorded plats can be researched through Plats.net or the local land-records office. SDAT’s online property map is not a boundary survey.

Information reviewed August 20, 2026: SDAT Real Property search behavior, address/PAN rules, current portal-status notice, Maryland’s three-year assessment cycle, 2026 Group 2 reassessment, 2026–2027 state tax rate and Homestead caps, September and December tax-payment dates, Homestead eligibility, 2026 Homeowners’ Tax Credit deadline, current HPP eligibility page, real-property exemptions, assessment appeal deadlines, local assessment-office contacts, MDLandRec and Maryland plat/map guidance were checked against current Maryland government sources.
Ohio Auditor Tools · Tax Year 2026

10 Ohio Property Tax Calculators & Auditor Tools

Built specifically for Ohio's 35% assessment ratio, current DTE forms, and 2026 Homestead, Owner-Occupancy, CAUV, Conveyance Fee, and Board of Revision rules. Every number reflects verified Ohio Department of Taxation amounts.

Homestead: $29,000 Enhanced Vet: $58,000 OAGI limit: $41,000 Assessment: 35% of market BOR filing: Free · DTE 1

Annual Tax Bill Estimator

OHIO

Applies Ohio's 35% assessment ratio plus your county's effective millage tier — the actual math your auditor uses.

Pick a county tier and enter your market value.

Homestead Reduction Calculator

DTE 105A

2026 Ohio Homestead: $29,000 general or $58,000 enhanced (100% disabled vet, KIA spouse). OAGI under $41,000 required for non-veteran applicants.

Pick your situation and enter your home value.

Owner-Occupancy & Non-Business Credits

DTE 105C

Every Ohio owner-occupied home qualifies for the 2.5% Owner-Occupancy Credit plus the automatic 10% Non-Business Credit. Most owners don't realize these stack.

Enter your annual tax to see both credit amounts.

Conveyance Fee Calculator

ORC 322

When you sell or transfer Ohio property, the auditor collects $1 state + up to $3 county per $1,000, plus $0.50 per parcel. Counties choose their rate.

Enter sale price and pick your county rate.

CAUV Agricultural Savings

DTE 109

Ohio's Current Agricultural Use Value cuts taxable value dramatically for farmland (10+ acres, or smaller with $2,500+ annual gross income).

Enter both market and CAUV values to see savings.

Mill Rate Converter

Ohio tax rates appear three ways on auditor sites: mills, percent, or dollars per $1,000. Convert between them instantly.

Enter a rate to see all three forms.

Parcel Number Cleaner

Ohio's 88 counties each format parcels differently — Franklin uses 010-123456-00, Cuyahoga uses 001-23-456, Hamilton uses 100-0001-0001-00. Auto-detects.

Paste any Ohio county parcel to format it.

35% Ratio Sanity Check

Ohio law sets taxable value at 35% of market value. If yours is significantly higher, you're a strong BOR appeal candidate.

Enter both values to compare against Ohio's 35% target.

BOR Appeal Savings

DTE 1

A successful Board of Revision complaint typically cuts your value 10–20%. Filing is free and stays in effect until the next reappraisal.

Enter your tax bill and reduction estimate.

BOR Deadline Countdown

MAR 31

Ohio's statutory Board of Revision filing deadline is March 31 for the prior tax year. Miss it and you wait until next year — no extensions.

Set your deadline to start the countdown.

Verify with the official Ohio source

These calculators use the verified 2026 Ohio Department of Taxation amounts and statutory rules. For your exact bill, exemption status, and county-specific deadlines, always confirm with your county auditor and the Ohio Revised Code:

Estimates use Ohio's 35% statutory assessment ratio and effective tax rate tiers averaged across major Ohio counties. Your actual bill depends on local school levies, voted millage, inside vs. outside millage splits, House Bill 920 reduction factors (HB 920), and special assessments. The 2026 Homestead general amount ($29,000) and enhanced amount ($58,000) reflect HB 187 inflation indexing — your county auditor's office may show slightly different transitional figures. Nothing here is legal or tax advice. CountyAuditors.org is an independent informational directory, not affiliated with any county government.

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